One of the many great plans in Alabama comes from our good friends at Aetna health insuance.  Though not always priced the best in Alabama, Aetna is by far the most trusted name in health insurance to me.  Why?  Because they never rescind policies number and number two they take human beings, with all of flaws, medications, warts etc.  They will accept even diabetics in many cases and they are the only Alabama company besides AARP (which is underwritten by Aetna of course) to accept them.

Aetna Health Insurance Plans Option In Alabama

The Aetna  health insurance plans are designed to offer you quality coverage in Alabama at an excellent value. Coverage can include prescription drugs, doctor visits, hospitalization and preventive care services.

Generally speaking, the lower your “premiums,” or monthly payments, the higher your “deductible,” which is the amount you pay out of pocket before the plan begins paying for expenses.

You’ll pay less by using “in-network” doctors, hospitals, pharmacies and other health care providers who participate in Aetna’s nationwide network than by using “out-of-network” doctors.

Plans at a Glance in Alabama

Aetna Alabama Rate Breakdowns

In Alabama your premium is not only determined by your age but of course your rates will depend on the area in which your county is located.  For more information or a quote on what your rate would be, call us at 888 803 5917 or fill out our Aetna health insurance quote.  But here is how the rates are broken down in Aetna.

Area 1 Counties

Barbour Dale Marengo Butler Franklin Pickens Choctaw Geneva Pike Coffee Greene Randolph Colbert Henry Sumter Conecuh Houston Tuscaloosa Covington Lamar Cullman Lauderdale

Alabama Limitations & Exclusions

Medical Exclusions

These medical plans do not cover all health care expenses and include exclusions and limitations. You should refer to your plan documents to determine which health care services are covered and to what extent.

The following is a partial list of services and supplies that are generally not covered. However, your plan documents may contain exceptions to this list based on state mandates or the plan design or rider(s). Services and supplies that are generally not covered include, but are not limited to:

All medical and hospital services not specifically covered in, or which are limited or excluded by your plan documents, including costs of services before coverage begins and after coverage terminates

• Ambulance coverage is limited to $1,000 per trip
• Cosmetic surgery
• Custodial care
• Donor egg retrieval
• Weight control services including surgical procedures for the treatment of obesity, medical treatment, and weight control/loss programs
• Experimental and investigational procedures, (except for coverage for medically necessary routine patient care costs for Members participating in a cancer clinical trial)
• Charges in connection with pregnancy care other than for pregnancy complications
• Immunizations for travel or work
• Implantable drugs and certain injectable drugs including injectable infertility drugs
• Infertility services including artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI and other related services unless specifically listed as covered in your plan documents
• Non-medically necessary services or supplies
• Orthotics
• Over-the-counter medications and supplies
• Radial keratotomy or related procedures
• Reversal of sterilization
• Services for the treatment of sexual dysfunction or inadequacies including therapy, supplies or counseling
• pre-existing Conditions
• During the first 12 months following your effective date of coverage, no coverage will be provided for the treatment of a pre-existing condition unless you have prior creditable coverage.
• A preexisting condition is an illness, disease, physical condition, or injury for which medical advice, or treatment was recommended or received and/or the use of prescription drugs of any kind within six months preceding the effective date of coverage. Services or supplies for the treatment of a preexisting condition are not covered for the first 12 months after the member s effective date. If the member had continuous prior creditable coverage within the 63 days immediately preceding the signature on the application and meets certain other requirements, then the preexisting condition exclusion of 12 months may not apply.
• Special or private duty nursing
• Therapy or rehabilitation other than those listed as covered in the plan documents
• Chemical dependency and substance abuse not covered
• Mental health services for PPO plans not covered
• Dental